I guess German and Dutch users aren’t very different: I’ve been in (Dutch) IT in several roles for 25 years and have seen “professionals” and govt. employees get completely lost at minor changes in software.

And by ‘lost’ i mean the complete spectrum of responses: lost, angry, frustrated, passive aggressive and violent.

Bribing is not needed, just nudging users to a workflow that is unique to the monopolies.

I’d avoid Klarna if you’re opposed to all humans getting automated.

They rely heavily on OpenAi.